Honda Ridgeline Insurance Rates
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UPDATED: Jun 3, 2023
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Wondering how much should I pay for a Honda Ridgeline insurance plan? Average Honda Ridgeline insurance rates are $1,498 a year, or $124 a month. Read on to learn what drivers can do to save on insurance for Honda Ridgeline vehicles.
Use our free comparison tool above to start comparing Honda Ridgeline insurance costs.
Average insurance prices for a Honda Ridgeline are $1,046 every 12 months with full coverage. Comprehensive costs on average $158, collision costs $188, and liability costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing around $2,244. 16-year-old drivers receive the highest rates at $4,278 a year or more.
Average premium for full coverage: $1,046
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all Ridgeline models.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $576 for just the minimum liability insurance to the much higher price of $2,244 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can make a big difference on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities.
The example below illustrates how location impacts car insurance rates.
These examples demonstrate why everyone should compare rates based on a specific location and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details estimated Honda Ridgeline insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $646
- Drivers who choose higher $1,000 deductibles will pay around $80 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,046
- Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,196
- Drivers with multiple tickets or accidents could pay upwards of $2,244 or more
- The cost to insure a 16-year-old driver for full coverage may cost $4,278 a year
Insurance rates for a Honda Ridgeline can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Ridgeline.
Opting for high physical damage deductibles could save up to $230 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $4,200 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,200 to $1,800 extra per year, depending on your age. Honda Ridgeline insurance for high-risk drivers can cost from 42% to 128% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Honda Ridgeline insurance prices. A 40-year-old driver could pay as low as $750 a year in states like New Hampshire, Ohio, and Utah, or at least $1,410 on average in Florida, Michigan, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Honda Ridgeline RT 4WD||$1,012||$84|
|Honda Ridgeline RTS 4WD||$1,030||$86|
|Honda Ridgeline RTL 4WD||$1,046||$87|
|Honda Ridgeline RTL W/Navigation 4WD||$1,064||$89|
Rates assume 2006 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2011 Honda Ridgeline||$194||$284||$534||$1,192|
|2008 Honda Ridgeline||$166||$214||$534||$1,094|
|2007 Honda Ridgeline||$162||$192||$530||$1,064|
|2006 Honda Ridgeline||$158||$188||$520||$1,046|
Rates are averaged for all Honda Ridgeline models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Honda Ridgeline Insurance
Saving money on insurance for a Honda Ridgeline not only requires avoiding accidents and violations, but also having good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Spend time shopping around every other policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a brief review of the ideas that were touched on above.
- Teenagers pay the highest rates, with premiums as much as $357 per month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,200 more each year for car insurance
- Increasing deductibles could save as much as $225 each year
- You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
Honda Ridgeline pricing on car insurance can vary based on your age and driving record. The best way to save and find affordable Honda Ridgeline car insurance is to use rate comparison tools and find the best Honda Ridgeline insurance quotes for you.
Doing so will allow you to compare different model years, such as the 2017 Honda Ridgeline vs the 2019 model cost to own, or to compare different trim levels, such as 2009 versus 2011 Honda Ridgeline trim levels.
While rate comparison won’t help you find out the Honda Ridgeline depreciation or the Honda Ridgeline 5-year cost to own, it will help you find savings immediately. So if you are ready to start saving on Honda Ridgeline insurance maintenance costs, enter your ZIP code in our free tool below.
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What are the safety ratings of the Honda Ridgeline?
Is the Honda Ridgeline worth buying? If a car doesn’t have good safety ratings and features, it isn’t worth your time. So if you looking for a 2020 Honda Ridgeline for sale, check the safety rating first. Poor safety ratings and features not only mean you are less safe, but it also means higher insurance rates.
Luckily, the Honda Ridgeline has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist. The Honda Ridgeline safety ratings are also great, as the Insurance Institute for Highway Safety (IIHS) gave the Honda Ridgeline a 2019 Top Safety Pick award.
Take a look at the Honda Ridgeline’s crash test ratings below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Acceptable
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below shows one of the IIHS’s crash tests on the Honda Ridgeline.
Honda Ridgeline Compared Against Other Vehicles in the Same Class
The Honda Ridgeline is a large pickup, which means it may have slightly higher liability insurance rates. Why? Larger vehicles are more likely to do significant damage to other vehicles in a crash.
Want to better understand how the Honda Ridgeline’s rates compare to other large pickups’ rates? View the large pickups below.
Ready to start saving on Honda Ridgeline insurance rates? Use our free rate comparison tool to find the best Honda Ridgeline rates in your area.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$60|
|5-yr Claim Free||$65|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.